FR44 Insurance for CDL Holders in Florida 2026 — Commercial Driver DUI Requirements
FR44 Insurance for CDL Holders in Florida — 2026 Guide
A DUI conviction is catastrophic for commercial drivers in Florida. If you hold a CDL and are convicted of DUI, you face CDL disqualification plus FR44 insurance requirements when you seek to reinstate any driving privileges.
CDL DUI in Florida — Immediate Consequences
| Offense | CDL Disqualification | FR44 Required? |
|---|---|---|
| First DUI (BAC 0.04%+ for CDL) | 1 year (3 years if hazmat) | Yes — upon reinstatement |
| First DUI in a CMV | 1 year | Yes |
| Second DUI (any vehicle) | Lifetime | Yes |
| Refusing chemical test in CMV | 1 year | Yes |
Key: The BAC threshold for CDL holders is 0.04% — half the standard 0.08% — even in a personal vehicle.
FR44 vs CDL Reinstatement Timeline
Critical distinction: FR44 is required for your Class E (personal) license reinstatement, not your CDL. Your CDL remains disqualified for the statutory period regardless of FR44. Once the CDL disqualification ends, you can separately apply for CDL reinstatement.
CDL FR44 Costs
| Policy | Monthly |
|---|---|
| Non-Owner FR44 | 4–0 |
| Owner FR44 (Personal Vehicle) | 0–0 |
| Commercial Auto + FR44 | 0–00+ |
Second DUI = Lifetime CDL Ban
Under federal law (49 CFR 383.51), a second DUI — in any vehicle, any state — results in lifetime CDL disqualification. No exceptions, no waivers.